Want to learn how to save money and find lower-priced auto insurance rates in Hermosa Beach, CA? Hermosa Beach consumers have a choice when looking for affordable car insurance. You can either waste hours struggling with agents to compare prices or use the internet to get rate quotes. There are more efficient ways to shop for auto insurance so you're going to learn the best way to quote coverages for a and find the cheapest rates from both online companies and Hermosa Beach agents.

Good choices result in lower premiums

Many things are part of the calculation when you get your auto insurance bill. Most are fairly basic like your driving record, but others are less apparent like your vehicle usage or your financial responsibility. A large part of saving on auto insurance is knowing some of the elements that come into play when calculating the rates you pay for auto insurance. If you know what influences your rates, this helps enable you to make changes that will entitle you to much lower annual insurance costs.

Listed below are some of the factors used by your company to calculate your rates.

All major car insurance companies allow consumers to get pricing from their websites. Comparing prices online is pretty painless as all you need to do is type in your coverage information into a form. Upon sending the form, the quote system orders information on your driving record and credit history and generates pricing information based on the data you entered.

The ability to get online rate quotes makes comparing rates easy, and it is imperative to compare as many rates as possible in order to find lower-cost car insurance pricing.

If you want to find out how much you can save on car insurance, compare quotes from the companies shown below. If you have your current policy handy, we recommend that you enter coverages and limits exactly as they are listed on your policy. This helps ensure you will have comparison quotes for the exact same coverage.

The companies shown below provide quotes in California. If you want to find the cheapest car insurance in California, we recommend you visit two to three different companies to find the lowest car insurance rates.

Insurance Cost Estimates for Popular Vehicles in Hermosa Beach
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT 4WD $1,428 $714 $119
Chevrolet Equinox LS 2WD $1,342 $671 $112
Chevrolet Silverado LT Regular Cab 2WD $1,672 $836 $139
Dodge Ram Quad Cab Sport 2WD $1,332 $666 $111
Ford Escape XLS 4WD $1,174 $587 $98
Ford F-150 Lariat Crew Cab 2WD $1,728 $864 $144
Ford Focus SES 2-Dr Coupe $1,758 $879 $147
Ford Fusion SEL AWD 4-Dr Sedan $1,414 $707 $118
Honda Accord LX 4-Dr Sedan $1,298 $649 $108
Honda CR-V LX 2WD $1,256 $628 $105
Honda Civic SI 2-Dr Coupe $1,540 $770 $128
Jeep Grand Cherokee Limited 2WD $1,264 $632 $105
Kia Optima EX $1,708 $854 $142
Mazda 3 S Grand Touring 4-Dr Hatchback $1,698 $849 $142
Nissan Altima Hybrid 4-Dr Sedan $1,660 $830 $138
Nissan Rogue SL 2WD $1,652 $826 $138
Toyota Camry SE $1,790 $895 $149
Toyota Corolla XLE $1,672 $836 $139
Toyota Tacoma Double Cab TRD Off-Road Package 4WD $1,330 $665 $111
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Data rating is based on single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Price estimates do not factor in Hermosa Beach location which can affect coverage rates greatly.

Insurance rate increases from tickets or accidents

The information below demonstrates how traffic citations and at-fault accidents can drive up Toyota Corolla insurance rates for each age group. The premium estimates are based on a single male driver, comprehensive and collision coverage, $1,000 deductibles, and no other discounts are factored in.

Toyota Corolla rates are for example purposes only. To get rates for your specific vehicle, click here.

Don't be fooled by advertising claims

Consumers can't avoid all the ads for insurance savings by Allstate, GEICO and Progressive. They all make the same claim that you'll save big just by moving your policy.

How is it possible that every company can charge you a lower premium? This is the way they can do it.

Insurance providers have underwriting criteria for the type of driver that will be a good risk. For example, this type of driver could possibly be between the ages of 30 and 50, is a homeowner, and drives newer vehicles. Any customer who meets those qualifications receives the best car insurance rates in Hermosa Beach as well as save when switching.

Insureds who do not meet the ideal profile will have to pay a higher premium which usually ends up with the driver buying from a lower-cost company. The trick companies use is to say "people who switch" but not "everyone who gets a quote" can get the lowest rates when switching. That is how insurance companies can make claims like that. Different companies use different criteria so it is so important to do a quote comparison often. It is impossible to guess with any certainty which company will provide the lowest insurance in Hermosa Beach.

Choosing vehicle insurance is an important decision

Despite the high cost of buying insurance in Hermosa Beach, maintaining insurance may not be optional for several reasons.

The benefits of insuring your car greatly outweigh the cost, specifically if you ever have a liability claim. But the average driver in California is overpaying over $850 per year so compare rates at every policy renewal to ensure rates are inline.

Get cheaper car insurance with discounts

Car insurance companies don't always list every disount available very clearly, so the following is a list of some of the more common and also the more inconspicuous discounts that may be available.Save money with discounts

While discounts sound great, it's important to understand that some of the credits will not apply to the overall cost of the policy. Most only cut the cost of specific coverages such as comprehensive or collision. Just because it seems like all the discounts add up to a free policy, companies don't profit that way.

A list of car insurance companies and some of their more popular discounts are included below.

If you want low cost Hermosa Beach car insurance quotes, ask every company which discounts can lower your rates. Some discounts listed above may not apply to policies in Hermosa Beach. To see insurers that offer the discounts shown above in Hermosa Beach, click here.

Claim statistics by make and model

What are the chances of a claim? The following claim statistics show the worst and best vehicle makes and models for the probability of filing claims organized by coverage.

Auto Insurance Medical Payment Claims by Manufacturer Model
Lowest Claim Amount Highest Claim Amount
Chevrolet Silverado 3500 Kia Forte
Tesla Model S Chevrolet Spark
Ford F-250 SuperCrew Dodge Charger
Chevrolet Corvette Nissan Sentra
Ford F-350 SuperCrew Mitsubishi Mirage
Chevrolet Silverado 2500 Mitsubishi Lancer

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Collision Insurance Claims by Manufacturer Model
Lowest Claim Amount Highest Claim Amount
Ford Edge Nissan GT-R
Ford F-250 SuperCab Ferrari 458
Nissan Xterra Maserati Ghibli
Ford F-150 SuperCrew Bently Continental GT
GMC Canyon Bentley Continental Flying Spur
Jeep Wrangler BMW M6

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Manufacturer Models with the Lowest and Highest Auto Insurance Liability Claims
Lowest Claim Amount Highest Claim Amount
Volvo XC60 Kia Rio
Acura MDX Chevrolet Sonic
Audi A6 Mitsubishi Lancer
Subaru Outback Chevrolet Impala
Fiat 500 Dodge Charger
Chevrolet Corvette Hyndai Accent

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Comprehensive Coverage Claims by Vehicle
Lowest Claim Amount Highest Claim Amount
GMC Sierra 2500 Audi S7
Nissan Xterra BMW M6
Ford F-350 Maserati Granturismo
Volvo V60 Bentley Continental GT
Nissan Leaf Bentley Continental GTC
Infiniti QX50 BMW M6

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Cheap car insurance rates are possible

As you prepare to switch companies, you should never reduce coverage to reduce premium. In too many instances, drivers have reduced uninsured motorist or liability limits and found out when filing a claim that it was a big mistake. The ultimate goal is to buy enough coverage at a price you can afford and still be able to protect your assets.

Throughout this article, we presented a lot of ways to compare car insurance rates in Hermosa Beach. The key thing to remember is the more you quote Hermosa Beach car insurance, the better your chances of lowering your auto insurance rates. Drivers may even discover the best price on car insurance is with some of the lesser-known companies.

Cost effective car insurance can be bought from both online companies in addition to local insurance agencies, so you should be comparing quotes from both in order to have the best price selection to choose from. A few companies may not offer online rate quotes and most of the time these small, regional companies prefer to sell through independent agents.

Even more information can be found at these sites: